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https://www.boards.ie/discussion/2055940817/signature-rules

Open Drive - Under 25

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Comments

  • #32
    seamus
    Registered Users, Registered Users 2 Posts: 68,190 ✭✭✭✭seamus


    Doylers wrote: »
    do they even insure bikes? Does third party driving of other peoples bikes/cars require someone to already be insure on the vehicle ?
    Hibernian used to insure bikes, they stopped around 2003/2004.

    Third party driving of someone else's vehicle generally does not require it to be insured by someone else, however:

    1. It is an offence to use a vehicle in a public place without displaying a valid insurance disc. And you can't just use your own one.
    2. You cannot leave the vehicle unattended in public for any period of time. Your 3rd party cover only applies while you are driving the vehicle. If you leave the vehicle, it becomes uninsured, which is an offence in a public place.

    So while the vehicle doesn't need to be insured in order for you to be covered, legally that's not the same thing.


  • #33
    ironclaw
    Registered Users, Registered Users 2 Posts: 8,004 ✭✭✭ironclaw


    james carr wrote: »
    but i am wanting to get open insurance on my mums vw polo 1.4 litre which would then insure me to drive a lexus ?

    This is not possible. You get the ability to drive another car when you have the policy in your name i.e. If you owned the Polo and insured it yourself, then you would have the ability to drive the Lexus (But only Third Party cover on the Lexus) The only other option would be fleet insurance, but this is another kettle of fish and reserved for business normally.

    If you want to drive a high performance car, unfortunately you need the bank balance to cover the tax, insurance and maintenance. So in round figures if the Lexus cost say €2000, you'd want at least €4000 in the bank to actually cover the cost of running the thing.

    I'm guessing your about 19? The insurance is going to be high on anything north of 1.4L. But if you can afford it, take out the policy and start earning your own no claims. There is no point in being a named driver if you desire is for high end cars. 5 years of named experience is equal to roughly 1 year of your own, so by 21, you'll have a decent quote for pretty much anything. Then again, this is Ireland, so be prepared to pay €700 to €2000 on anything 'fancy'


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